NOTICE REGARDING CONSUMER LOAN PAYMENTS

All loan payments must be accompanied by the account number or payment coupon provided to you. Loan payments must be sent to Oconee State Bank, P.O. Box, 205, Watkinsville, GA, 30677. Payments received via mail Monday - Friday are credited on the day received from the Post Office. No mail pickup is made on Saturdays and bank holidays. Loan payments may also be made in person to Oconee State Bank personnel at any of our banking locations. Payments made to personnel at any banking location before 6:00 p.m. (EST/EDT), Monday - Friday, except bank holidays, will be credited as of that date. Any other payments made by alternate methods after the above cutoff time at our banking facilities Monday - Friday or on Saturdays and bank holidays will be credited as of the next bank business day or as otherwise permitted by law.

NOTICE REGARDING CONSUMER CREDIT CARD PAYMENT

All payments must be accompanied by the account number or payment coupon provided to you. Payments sent to Oconee State Bank, P.O. Box, 205, Watkinsville, GA, 30677 via mail Monday - Friday are credited on the day received from the Post Office. No mail pickup is made on Saturdays and bank holidays. Payments made to personnel at any banking location before 6:00 p.m. (EST/EDT), Monday - Friday, except bank holidays, will be credited as of that date. Any payments made by alternative methods after the above cutoff time at our banking facilities Monday - Friday or on Saturdays and bank holidays wil be credited as of the next bank business day or as otherwise permitted by law.